Darul Iftaa Mahmudiyyah

Third-Party Insurance

· 14 Rajab 1440 AH1 min readFatwa 41244English

Question

Asssalamu alaikum

I need your help to get understand about the vehicle insurance in this country. Here insurance is mandatory to buy the new private vehicle and also for registration renewal every 3 year. Once your renewal completed you can avoid buying the insurance for next two years. in this time police may charge you 40$ in case they catch you. Normally police not asking the insurance while check post.

In case of accident you shall pay the total amount if it is happened from you.

What is your advice to go for insurance in this situation. It is acceptable to buy ?

Answer

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

All types of car insurance are haraam whether it is third party insurance or comprehensive insurance as it involves interest and gambling. If, however, one is obliged by the law of the country to do so, then one will be excused to take out third party insurance. [1]

And Allah Ta’āla Knows Best

Muhammad I.V Patel

Student Darul Iftaa
Lusaka, Zambia

Checked and Approved by,
Mufti Ebrahim Desai.

References (Arabic / Urdu sources)

[1] فتاؤي عثماني جلد 3 ص314

انشورنس سود اور قمار پر مشتمل ہونے کی بنا پر بالکل حرام ہے- البتہ جو انشورنس حکومت کی طرف سے لازمی ہو، مثلاً موٹر وغیرہ کا بیمہ، اس کو مجبوراً کرا سکتے ہیں، مگر جب رقم ملے

تو صرف اتنی رقم خود استعمال کر سکتے ہیں جتنی خود داخل کی تھی، اس سے زائد نہیں

جديد فقهي مباحث جلد 12

امداد الفتاوى جلد 3 ص 161 مكتبه دار العلوم كراچي

Answered by
Muhammad I.V Patel
Checked & approved by
Mufti Ebrahim Desai
View original Compare with other Darul Iftas
Questions about this ruling, answered only from the archive with sources.

Where scholars differ, it’s safer to take the more cautious view.

Fatawa SA is an independent, read-only index of fatawa already published by Darul Iftaa Mahmudiyyah. It is not a fatwa service. For your own situation, please ask a Mufti. Report an issue

For corrections or mistakes, please email us at fatawasa786@gmail.com.

Source: Darul Iftaa Mahmudiyyah — https://askimam.org/public/question_detail/41244
Fatawa SA: https://fatawa.co.za/fatwa/askimam-41244

People also ask

Is insurance permissible?

“Life insurance policies are Haraam as it is based on interest, gambling and uncertainty (Gharar). Make Taubah and Istighfaar for your mother for engaging in Haraam dealings. There are severe warnings cited in the Mubarak…”

Ibn Masood · 392 fatawa from 7 Darul Iftas on this

What the Darul Iftas say

Same question, other Darul Iftas

The closest match from each Darul Ifta, found by wording. Check that the question matches yours.

Compare the answers side by side

Related fatawa